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Mortgage Loan Modification - Does it Affect Your Credit Score? Your credit rating is one of the most important things for you to protect. If you have already fallen behind on payments then you have begun damaging your credit. If one of the payments that you've fallen behind on is your mortgage, there have not been many options to help you. Bad credit will keep you from qualifying for any of the traditional help for lowering your mortgage payments, such as a refinance. Since the introduction of the loan modification program, there is finally help available. [VIEW ARTICLE]Comments RSS Feed For This Article: 
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Subject: Question About Restructure and Credit Score
Hector Milla's article is great. I am in the process of doing a loan restructure through NACA. I am in the Fannie Mae required 3 month trial period where I must pay less than my usual monthly payment. I was never late on my mortgage payment. I have a great credit score. How can I ensure that my Credit Score, IF it goes down, will be reinstated? Thank you for all your info. Sincerely,Patrice